Umbrella insurance
Is Your Liability Protection Keeping Up With Your Life?
An umbrella policy may add liability protection above your auto and home limits. Let’s look at whether it makes sense for your situation.
Who May Want to Consider an Umbrella
Growing assets
Homeowners, savers, and people building retirement accounts.
Teen drivers
Households adding young drivers to the policy.
Pools, dogs & guests
Homes that regularly host people or have higher-liability features.
Rental property
Owners of rental or additional properties.
How it works
Three Simple Steps.
- 01
Show me what you currently have
- 02
We review the important coverage details together
- 03
If there’s a better fit, we compare options
How an Umbrella Works
An umbrella policy generally sits above your underlying auto and home liability coverage.
If a covered liability claim exceeds those underlying limits, the umbrella may respond, subject to its terms and exclusions.
Most umbrellas require minimum underlying limits — another reason to review everything together.
“Liability coverage is about protecting what you’ve built, not just what you drive.”
The 3-Minute Policy Check
Check My Liability Protection.
Share a few basics and Thomas will follow up with thoughtful coverage review and insurance guidance. Prefer to talk now?
Call Thomas(815) 451-0076Questions
Good to Know.
Rather Just Talk It Through?
A quick call is often the fastest way to get clear answers.
Call Thomas Brown(815) 451-0076